Personal loans in Fontana, CA

About 215,465 people live in Fontana, placing it 20th of 482 Census places in California. Fontana is a sizable city in California, with an estimated 215,465 residents, and every licensed lender here follows the same state rulebook.

By the Personalloaner Editorial Team · Last updated 2026-09-16

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

A 2020-to-2023 comparison shows Fontana up by about 3.4%. Verify the lender's California licence against the regulator named below before borrowing in Fontana. Which products a lender may offer to Fontana's 215,465 residents follows from the California consumer-lending framework. A larger market lies at San Bernardino, CA about 10 miles away.

Where Fontana stands

Most of what governs a Fontana loan is written in California law rather than in the city; the sourced notes below make that split concrete.

What a Fontana borrower is actually offered

A Fontana personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 215,465 residents. Two numbers drive a Fontana loan: the APR, which includes fees, and the term, which decides how long you keep paying. Shortening the term on a Fontana loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

Fontana's place among California's 482 places

Among California's 482 places, Fontana sits at 20th for population, a share of roughly 0.7% of the state. Its 2020-to-2023 change ranks 48th of 482 California places, putting it near the 90th percentile for growth. At about 4,978 people per square mile, Fontana is the 139th most densely settled place in California. The population moved by about 7,063 people between 2020 and 2023, a 3.4% shift.

Fontana on the map

Fontana covers about 43.3 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. That land carries about 4,978 people per square mile. For the state's biggest city, Los Angeles, the distance is roughly 55 miles. Counting outward 50 miles, 6 larger communities surround Fontana. Within the same 50 miles lie 125 smaller Census places.

What is available to Fontana borrowers

Fontana is a fairly dense community of about 215,465 people, with 6 larger places inside a 50-mile radius. What is available to Fontana's 215,465 borrowers is set by California licensing and your own credit, not by how many branches are nearby. The nearest bigger place is San Bernardino, CA about 10 miles away.

California consumer-lending rules applied in Fontana

The rows below set out what a licensed lender must follow in California, and so for Fontana's roughly 215,465 residents.

RuleDetailSource
State lending regulatorCalifornia Department of Financial Protection and Innovation (DFPI)
Source says: "“Department” means the Department of Financial Protection and Innovation".
California Legislature — Financial Code § 23001
as of 2026-09-16
Small-loan / installment lender licensingFinance lender/broker license required from the Commissioner of Financial Protection and Innovation (California Financing Law)
Source says: "No person shall engage in the business of a finance lender or broker without obtaining a license from the commissioner".
California Legislature — Financial Code § 22100
as of 2026-09-16
36% rate cap on mid-size consumer loans (AB 539)Consumer loans of $2,500 to under $10,000: cap of 36% per annum simple interest plus the Federal Funds Rate
Source says: "charges at a rate not exceeding an annual simple interest rate of 36 percent per annum plus the Federal Funds Rate".
California Legislature — Financial Code § 22304.5
as of 2026-09-16

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Fontana if my credit is poor?
Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in Fontana is the same as anywhere in California.
What loan size can I expect in Fontana?
Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.
Do I have to pledge anything to borrow in Fontana?
For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.
Does comparing loans in Fontana cost me credit score points?
Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

Nearby places

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